Current Home Purchase Mortgage Rates - 30 Years  California Lenders Under 7% for 30 Year Fixed Rate

Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in California and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 01/29/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.602% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.625 Points$2,000 Points Fee
$3,600 Total Fees$1,600 Lender Fees
 30 Years Fixed
5.620% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.975 Points$3,120 Points Fee
$4,245 Total Fees$1,125 Lender Fees
 30 Years Fixed
5.715% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.985 Points$3,152 Points Fee
$3,152 Total Fees$0 Lender Fees
 30 Years Fixed
5.836% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.625 Points$2,000 Points Fee
$3,070 Total Fees$1,070 Lender Fees
 30 Years Fixed
6.122% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.795 Points$2,544 Points Fee
$4,544 Total Fees$2,000 Lender Fees
 30 Years Fixed
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5.801% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.554 Points$1,773 Points Fee
$1,773 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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